| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AGAPE BENEFITS CONSULTING LLC3 | 251 S TRIPLET LAKE DRIVE CASSELBERRY, FL 32707 | HCC LIFE INSURANCE COMPANY | $0 | $36K | $36K | 16.24% |
| PREFERRED BENEFIT ADMINISTRATORS3 | 155 SABAL PALM DRIVE LONGWOOD, FL 32779 | HCC LIFE INSURANCE COMPANY | $0 | $27K | $27K | 12.18% |
| ROBERT SAMUEL PHILLIPS3 | 1 PURLIEU PLACE SUITE 240 WINTER PARK, FL 32792 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 4.92% |
| THE INSURANCE & PAYROLL RESOURCE GR3 Filed as: INSURANCE & PAYROLL RESOURCE GRP FL | 1101 NORTH LAKE DESTINY RD SUITE 100 MAITLAND, FL 32751 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 1.63% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 155 | $223K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $78K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $78K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 129 | $138K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 129 | $138K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 129 | $138K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 155 | $223K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 129 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.